Gen Digital is rated a cautious BUY, supported by a base-case value of $32 per share, about 14% above its current price. GEN's MoneyLion acquisition aims to monetize its vast customer base via cross-selling financial and Cyber Safety products, though integration benefits remain unquantified. Trust-Based Solutions revenue grew 24% but carries lower margins (~30%) than Cyber Safety, impacting overall profitability as it becomes a larger revenue share.
MoneyLion has introduced a membership program designed to help consumers earn more from their paychecks. MoneyLion One, announced Monday (July 20), gives members access to daily cash back, investing and — later this summer — savings, along with personalized financial and identity theft protection tools.
Gen Digital Inc. reported stable Q4 earnings with stable revenue and earnings growth. The MoneyLion acquisition was completed in April, setting up FY2026 for good earnings growth. MoneyLion's acquisition still comes with unclear rationale. Significant cross-selling may be challenging, and a recent lawsuit against MoneyLion's important InstaCash service adds to the scrutiny.
| Name | Quantity | Cost | Value | Profit ($) | Gain (%) |
|---|---|---|---|---|---|
Guillaume Binnendijk Cigogne Management SA | 24,000 | $2.06M | $2.06M | -$2,640 | -0.13% |
| Software Industry | Information Technology Sector | Diwakar M Choubey CEO | NYSE Exchange | 60938K304 CUSIP |
| US Country | 575 Employees | - Last Dividend | 25 Apr 2023 Last Split | 14 Aug 2020 IPO Date |
MoneyLion Inc. is a pioneering force in the financial technology landscape, primarily focused on catering to the diverse financial needs of American consumers since its inception in 2013. Operating out of its headquarters in New York, New York, MoneyLion stands out for its commitment to providing a comprehensive and personalized suite of financial products and services. Through its innovative platform, MoneyLion makes banking, borrowing, and investing solutions readily accessible, aiming to empower customers with the tools they need for financial wellness. The company also extends its expertise to marketplace solutions, offering valuable channels for distribution, acquisition, growth, and monetization, as well as creative services for media and brand content.
RoarMoney: This is an insured digital demand deposit account designed to meet the daily banking needs of customers. RoarMoney offers a modern banking experience with features tailored for convenience and security.
Instacash: A standout cash advance product that allows customers early access to their upcoming income deposits. Instacash is built to provide immediate financial relief without the typical waiting periods associated with traditional banking systems.
Credit Builder Plus: A membership program aimed at helping customers build or improve their credit scores. This service offers tools and credits that facilitate credit building in a structured and user-friendly manner.
MoneyLion Investing: This service offers an online investment account, enabling customers to invest in separately managed accounts. Investments are made based on model portfolios consisting of exchange-traded funds (ETFs), tailored to the individual's financial goals and risk tolerance.
Roundups: Designed to nurture good saving and investing habits among users, Roundups automatically rounds up the spare change from debit card purchases to invest in the user's MoneyLion Investment account, making savings effortless and incremental.
MoneyLion Crypto: An innovative online cryptocurrency account that allows customers to easily buy, sell, and hold cryptocurrencies. MoneyLion Crypto aims to demystify the world of digital currencies and make it accessible to its users.
Marketplace Solutions: MoneyLion provides a suite of marketplace solutions, which include channels for distribution, acquisition, growth, and monetization. These solutions are designed to help other businesses grow while offering MoneyLion users more value.
Creative Media and Brand Content Services: Beyond financial products, MoneyLion offers creative services for media and brand content, helping partners to craft compelling narratives and engaging content that resonates with their target audiences.